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Employers Help

Employers Help

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Altair Users

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  • Update a Member's Address

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  • Update a Member Hours

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  • Cohabiting Partner Nominations

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  • Annual Benefit Statements

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Authorisation & the employers' website

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Contribution Rates

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  • Employer contribution rates

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  • Member contribution rates

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Update Employer Contact Details

Submit and confirm your organisation's current employer contact information securely.

Other Links

  • Pensions Administration Strategy

    The aim is to make sure both the administering authority and our employers are fully aware of their responsibilities under the LGPS regulations, and to identify acceptable levels of performance.

  • General Data Protection Regulation (GDPR)

    GMPF determines the purposes for and the manner in which personal data is to be processed means that we are considered to be a data controller under GDPR.

  • Encrypting Documents

    There are many ways to encrypt documents, however not all are secure, and we only support AES-256 encryption on zip files, with WinZip and 7-Zip.

Events for Employers

View All
  • Pension surgery — Ashton

    Drop-in pensions surgery for active and deferred members at Ashton Old Library.

    Ashton Old Library

    Read more
  • Employer roundtable: cost management

    A two-hour roundtable for scheme employers on managing LGPS costs and the 2025 valuation cycle.

    GMPF Offices, Droylsden

    Read more

Early retirement reduction calculator

If you choose to retire before your normal pension age, reductions may apply to your pension and lump sum because they are being paid for longer. Enter your standard benefits and choose how many years early you plan to retire.

Reduction factors
Years earlyPension reductionLump sum reduction
00.0%0.0%
14.9%1.7%
29.3%3.3%
313.5%4.9%
417.4%6.5%
520.9%8.1%
624.3%9.6%
727.4%11.1%
830.3%12.6%
933.0%14.1%
1035.6%15.5%
1139.5%N/A
1241.8%N/A
1343.9%N/A

These figures are for illustrative purposes only. They do not include any additional pension contributions or specific scheme protections you may be entitled to. Do not make any retirement decisions based on these figures alone — GMPF will confirm your actual reduced benefits in writing as you approach retirement.

Retirement living standards

Pensions UK and the Pensions and Lifetime Savings Association publish three retirement living standards — Minimum, Moderate, and Comfortable — showing what a year in retirement typically costs at each tier. Enter the income you expect in retirement to see which tier you reach.

Who are you planning for?

Your annual income target, including GMPF pension, State Pension, and any AVCs.

Single person — annual income

Minimum
£13,400
Moderate
£31,700
Comfortable
£43,900

Source: Retirement Living Standards, Pensions UK (2024).

The Retirement Living Standards are a nationally published benchmark and are not a guarantee of any specific lifestyle. Your own retirement costs will depend on where you live, your health, and your personal choices. GMPF is not a financial adviser — for advice please contact an FCA-regulated adviser.

Still Need Help?

If you need further support, please contact us.